ICICI Bank Complaints & Reviews

I'm sanjeev arora ICICI credit card no.[protected] hai... mera card 01/06/08 ko kho gaya thaa jiski compalint maine usi din icic customer care mein bhi ki thi aur fir bhi kervaa di thi... aaj 5 months baadh mera 16000/- 32000/- mein badal gaya hai...16000/- ki transction galat hai...mujh se collection agenciey se hum per harassment kerke aur hamare padose mein baar-2 aaker ham se paise ki demand ki jaa rahi hai. mein bahut pareshaani mein hun...yeh pahle bhi illegal chages aur misc. charges laga ke people se charge kerte hai...

Icici Bank's money2india is one of the worst service. They never give the exchange rate mentioned on the website. The rates provided are always beefed up and when you do the transaction they say that rates depends on that hour or minute and always lower.

So i request all the public to stop using it. I have a bad experience during my last few transactions.

My question to them is, whatever you have mentioned on the website should be given at the time of transaction? O atleast provide on the website that hour's transaction rate. Not like say something and give something.

They don't have a disclaimer on the website saying, rates will be different (always less) that mentioned on the website.

==== Check out this ==========
We assure you that our exchange rates are most competitive vis-a-vis the rates offered by others banks and service providers.

The exchange rate shown by the market are the exchange rates applicable to bulk transactions between banks. You would have noticed that this keeps fluctuating.

At ICICI Bank, our pricing for retail transactions is governed by our card rates which is updated on a daily basis on our web site under the NRI section.

Further, we must inform you that, the rates provided on our website at the time of the transaction are indicative rates for the current day. The rate that gets applied to the transaction is as prevalent on the date that funds are received by us. Even within a day, there are rate fluctuations in the market and the card rates are modified at frequent intervals.

=========================================

Why cant the rate flucutate on the upper side? why has it be on the lowe side only. Isn't it fishy.

Regards
Vikram

i would like cancel my credit card and also my add on card also.
due to i dont wish to have any credit card as policy so please kindly do the needful and do the cancellation

My credit card was dispatched by icici bank through ELBEE courier company and I told them that I will be available from 08 am til 01 pm but the courier person came at 4 pm in the evening and I was not available..And I was told that courier person will call me before coming and nobody in your company have money to call me.Please deliver my card at my address between 08 am and 01 pm.I have even left an authorization letter but he didnt deliver it with the auth letter

Hi,

I have to get a courier from ICICI on 1st Dec. Yet to recieve the same.I enquired about it from ICICI customer care.They gave Courier name (First Flight Courier) and consignment number. I went to First Flight courier website and got a phone number[protected]. I called them and they gave another number to get the details that is[protected].I called this number and again they have given another number to know the status that is[protected].I called this number minimum 100 times it was ringing there is no one to take the call. Really It was very bad experience i had with your (First Flight Courier) courier service. Think about a common man how they will get information about their consignment. Is this the service you are providing to your customers?

Please let me know the status on my consignment number (CC4500421).

Thanks,
Sreenivasulu.
[protected].

my credit is approved on 20th november and dispatch on 24 th november but after 7 days my credit card is not received in my office address so please delevered my credit card fastly in my office address

I had recharged my mobile No.[protected] for Rs.55/- using ICICI Credit card recharge payment online. Still, i had not got the talk time credited into my mobile or received any message.

Payment details for Payment Id [protected]
Customer Reference :[protected]


Payment Information
Payment Amount : INR 55.00
Date of Payment : 02/12/2008
Debit Account : [protected]
Payment Status : Success (But not happened)

Other Details
Payment Remarks : 0501



Plz look into it and regularize the same immediately.

Regards,
K. Bala Kishan
[protected]
Hyderabad, INDIA

Inspite of having discussed with the customer service centre over phone as well as through various mails to customer service centre, ICICI Bank has failed to respond by mails and also not giving me refund of Rs. 2500/- charged illegally to me at the time of foreclosure of my house loan a/c no. LBSNP[protected], which was clear breach of contract of loan agreement signed between ICICI Bank and the undersigned. Moreover, while I send the mails to ICICI Bank Home loan customer service centre, they did not accept receiving of my mails sent through my above e-mail ID and each and every mail shows delivery fail. Why? Could you help me in getting me refund of Rs. 2500/-alongwith interest w.e.f[protected].

Thanks
Komal Krishan Arora

dear sir,
i am using the above mentioned credit card but now i want to cancel these card because i am suffering unhealthy as i am a handicap i am not able to run my business due to my health condition and not able to pay the amount so please allow me to settle my card as three installments i have given one payment of rs 5000/- by cheque and your receipt no is c[protected] and next two installments will be made after receiving your full and final settlement letter and i had already given a request to your executive with the cheque on 24/10/2008
please make it as soon as possible


Prajwal Padmanabha

C/o.Kaveri Enterprises,

#12-C.M.M.Industrial Estate,

Bangalore 560 07

i am having icici bank credit card they transferred reward points from icici to i mint account i redeemed 5500 points for micro wave Owen on[protected] i received product on[protected] it was damaged i called at the same time to i mint they told me that they will replace it within 15 days till now it has not been replaced i have called hundred times every time they give same answer, product will get replaced within next two or three days what to do know?

I have an ICICI Bank credit card and had given an application for address change at their branch when I changed my address. The bank never sent me any statement on the new address for now more than a year. Now, suddenly they deducted around Rs. 11, 000 from my savings account (for which I get the statement at my new address). On talking to the customer care they told me that some amount was pending on my card and then there was hefty interest and finance changes which they deducted from my account. They took all the effort to link my savings bank account and make debits without any consent. If they had the right intentions they would have cared to inform me first - they never tried to contact me on my new address, they did not even try to contact me on the address that was there on my savings account. They were more than eager to charge their customer hefty charges and steal that money from the account. This shows bad intent on the bank's part. Their intent was reflected again when I contacted the credit card department, the banking department and the collections department. I am willing to pay all the genuine expenses I have made through the card however the bank should refund the unreasonable charges.

Dear Sirs,

I have applied online for ICICI Bank EMI Card on 8th November 2008. Subsequently I was contacted by the bank staff for verification and confirmation etc. They even sent their executive for this purpose. But since then I have not heard anything from them as to whether my applicaiton was accepted or rejected. I tried to equire about this from their customer service number [protected] but was unsuccessful to get through to them every time I dialed this number. I want to know the status of my application but I don't know how to get through to them.

Thanks

Thang muan lian

I needed to withdraw Rs. 1000/- and tried to do so from an ICICI Bank ATM with my HDFC Bank ATM card. No money in first attempt. Tried again. No Money again. Tried Again. No money again.

Next day, I opened the net banking and saw Rs. 3000/- deducted from my account.

Several phone calls to the phone banking service of HDFC Bank

I lodged a complaint with HDFC Bank. ICICI Bank refused to pay back (as per HDFC Bank) and said that cash was dispensed.

Several phone calls to the phone banking service of HDFC Bank again

I then went to a branch and filled a charge-back form for further investigation

Several phone calls to the phone banking service of HDFC Bank again

Almost 2 months have passed and I am surprised by the unconcerned behavior of the bank.
Also, machines like ATM are meant to be totally fool-proof. Guess here too corruption leads to inferior quality.

Dear all

This is with regards to the loan given on my my wife's credit card without any repayment instructions and options. On February 14th I gave Rs. 80000.00 to a collection agency appointed by ICICI to regularise the loan account.

Till date this money is not trace able and I have recieved unlimited harrassment and threatening calls from all corners and collection agents of all sorts.

Since the time the money has gone mising I have stopped paying up the EMI's

Would like to know what can I do, what legal action can I take against ICICI to recover my lost money and how far is ICICI liable as I desperately wish to settle this account and not deal with these collection agents anymore.

Your valuable advise will be much appreciated

Regards

Sanjey Kumar Bhatiya

Hi,
I have filed my complaint to Mr. Kamani, Mr. Mehta & Mr. B. Madhivanan but did not get any response from them. Hoping that you can solve my problem with the ICICI credit card.
I had tried to make PVR cinema transaction of 300 Rs. which was not completed but still i was charged money by ICICI. And for that i was asked to send FAX to ICICI. I sent it 3 times & finally i got confirmation in 1st week of sept that it has been received & under process. Now when in november i went to branch to check the status of my request, i came to know that ICICI executive had closed the request with the STATUS showing the "FAX TO BE RECEIVED FROM CUSTOMER".
Now you tell me what should i do. Bank branch do not accept the written application for Creditcard. & i am charged so many times for servicetax & late payment fees.
requesting you to solve the issue AsAP.
thanks.

Dear Sir,
I producing the letter which i have written to the Bank Chairman, whrere i have explained the whole problem.
================Letter Sent to the Bank==============================
Pamu Kumar Swamy,
501, Blacksmith Park-II,
Plot No.14, Sector 16,
New Panvel-410206.


Dated: 3rd August, 2008

To

The Chairman,
ICICI Bank,
Mumbai.

Dear Sir,

Sub: CRIMINAL NEGLIGENCE OF YOUR STAFF – MISUSE OF MY A/C.
CRIMINILISATION OF BANKING.
Ref: My A/c. No.[protected] with Dadar Branch &
Credit Card No. ___[protected]____________________________________.

With reference to the above, I wish to bring the following information to your kind attention and solicit your immediate action.

I have the above a/c with your Dadar Branch and the said a/c which I have not operated for a period of Feb & Mar somewhere around 40 days. In February 2008.

As usual along with my credit card statement I have received an enquiry for availing personal loan & on receipt of it I have made some enquiries with the bank and told them I will come back if I need and as I never required I didn’t ask for any loan to my surprise I’ve checked my ICICI bank a/c statement/ balance in first week of March I have noticed Rs.50000/- has been credited in my a/c. since I have not deposited any amount in my a/c I have immediately brought the issue to the notice of Dadar Branch.

Then I was given to understand that the money has been transferred from ICICI Bank’s Personal Loan Division which I have never asked. As customer of the bank I have immediately informed the bank and asked S.R.58527453, dated 7th March, 2008 and in spite of repeated following with your officers as usual there was no reply from your end. All the commitments by your officers to solve the issue within 24 hours with no effect and whenever I call them for senior persons I got a constant reply that they are not authorized to reveal any senior’s name & their contact numbers.

But adding to my surprise all of a sudden a collection agent has come to my home for asking EMI of the loan which I have never asked for. The collection agent has taken the S.R. no and promised to take prompt action with authorities and close the issue.

Again the same episode repeated with no replies from bank, when I checked with the back officers about the status of the S.R.s they asked me to raise one more S.R. bearing the nos. 62613813, dated 11.04.08 and again the back officer has promised to come back within 24 hours and resolve but nothing has happened till now.

I am a professional and getting paid only for doing my assignment I had no time to follow up the case but your bank personnel even they are paid for it never bothered to give a prompt response. This utter negligence in the part of your bank is very very irresponsible and resulting me lot of inconveniences. Now I got a notice from your bank’s legal department to pay the loan or to face legal action. Immediately I have contacted the person responsible and he has promised me to reinvestigate (I fail to understand the meaning of re-investigation) the case and come back to me within 5 days but he never replied.

Again, today i.e. 3rd August, 2008 I have called back your back office people regarding the issue and according to them, I have given verbal consent for loan on 25th of April 2008 against which they have credited amount well before on 7th February, 2008. THIS IS STRONG PROOF OF NEGLIGENCE OF YOUR STAFF AND HARASSING THE CUSTOMERS.

It is too much and I have no time to waste with you AND finally advise you to take prompt action and to solve the issue once and for all failing which I will be left with no option but to initiate legal action against the negligence on the part of your useless, irresponsible staff.

A line of compliance from your end will be highly appreciated.

Regards,

Pamu Kumar Swamy


=============END of the letter===================

now the curent scenerio is they have taken this Rs 50000/- from my ICICI account on 18th Aug, 2008 with out my consent. I thought the problem is over but now also i am getting the loan bill with the intersest.
when i am asking back office they say talk to their recover agent, ahen i spoke to their agents they say talk to the bank officer.

i would appreciate if you could extend your help to resolve this case.

thanks and regds

pamu kumar swamy

Dear Sir

ICICI Bank Credit Card despatched by the bank on 24 November 2008 via AW Number [protected] through ExpressIT Courier did not reach me so far.

The courier service called me on Monday (Dec1, 2008) from nos[protected]/32027013 and asked about me my address and availablity. They told me that this courier will be delievered by the evening (6PM). I was in office till 8 pm but noday came to deliever the courier.

On enquiry today from website, the courier service verified the status and informed that the card was not delivered as I was not available at my address, whereas being an engineer, I am available in the office everyday excluding sunday as it is my office address. Also, nobody came to me.

Today I tried to call courier office at New Delhi on the telephone number[protected]/ 32037013 and nos[protected]/12 provided to me by the bank but there was no answer.
Yours faithfully

Sunny Watts
[protected]

Dear Customer Care Officer,
ICICI Bank, Credit Card Section,

I hold an ICICI credit Card bearing No.[protected] w.e.f. 04.2007.During the last one and half an year I always paid my credit card dues timely.But on 22nd Nov'08 I received a telephonic call from your office to pay an amount of Rs. 6, 403.00 immediately which was said to be the last month's due which was not paid in time before 4th Nov'08.But for your kind information I would like to state that I did not get such statement before 4th Nov'08. However, as soon as I got the information about my dues I paid the same amount immediately on the same day i.e. on 22nd Nov'08. Unfortunately I got the Credit Card Statement dated 18th Nov'08 only on 29th Nov'08 where I found that late payment fee, interest, service tax etc amounting to Rs. 538.67 has been levied along with my actual transaction and the total amount due was shown as Rs. 6, 403.00 during the period from 17 th Oct'08 to 17 th Nov'08.
Under the circumstances stated above may I request you to reverse the additional amount of Rs. 538.67 which has been charged as late payment fee, interest, service tax etc. to my account.
Thanks and regards,
Yours sincerely,
Gautam C Ghosh.

Actually i am having ICICI Credit card, Without using the card they are making charges.Before 6 months, I had paid the outstanding amount (without using the card more than a year).After that i formally sent an mail regarding closing my credit card(I enquired about closing procedure in branch).Still now i am getting call & Statement to pay amount.

Sir/Mam,




I have saving a/c (No.[protected] at ICICI Bank at South Extn. Branch, Delhi. Bank applied freeze to my a/c without any information and did not remove freeze to my a/c two weeks after complaint.

After visiting at my base branch South Extention II, New Delhi there are unsatisfactory answer by staff present ober there.

Due to this I'm facing financial problems because I'm unable to draw my money from bank.

Please, do the needful and help me soonest.



Anant Sharan Mishra
Cell: [protected]